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Account Opening / Card Issuing


  • Promote products (eg, accounts, cards) with more relevancy to boost customer acquisition

  • Predict applicant credit background (see Credit Scoring use case

  • Optimize the customer experience of the digital onboarding process, reducing/stopping digital application abandonment


  • Make models that confirm the identity of the applicant, adhering to KYC processes and AML regulations

  • Predict user behavior to preempt the user’s next requirement in the application experience

  • Real-time credit checks with models that analyze large data sets across many institutions

  • Accurate Prediction models for churn (customer evasion) phenomenon

  • Explainable models that enable compliance in identify verification


Business Value

  • Increased revenue and customer loyalty with a comprehensive, CX-focused onboarding process

  • Reduce abandonment rate by 5x (industry expectation) 

  • Reduce rejection of good customers

H2O's AI and Data Approaches

  • Terabytes of data can be used to iterate through modeling quickly

  • Operationalize diverse and dynamic data sets

  • Deep learning, GBM algorithms

  • Predictive models that use neural networks, decision trees, random forest and logistic regression models


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